Aadhar Housing Finance Limited has informed the Exchange about Transcript
AADHARHFC · price
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Awaiting price reaction for this filing.
Aadhar Housing Finance reported a strong Q1 FY26, with AUM rising 22% YoY to an all-time high of Rs. 26,524 crores and disbursements up 32% YoY at Rs. 1,979 crores. Profit after tax grew 19% YoY to Rs. 237 crores, aided by NIM of 8.8%, cost-to-income improving to 36.1% (from 36.7%), and capital adequacy of 44.1%. Asset quality remained stable with gross NPA at 1.34% and collection efficiency above 98%. The company received a rating upgrade to AA+ from CARE and a positive outlook from ICRA. Management reiterated AUM growth guidance of 20-22% and disbursement growth of 18-20%, targeting ROA of 4.2-4.3% in FY26 with an aspirational 17-18% ROE over the long term. The company plans to add 50-60 branches annually over the next 3 years, reaching ~750 branches by FY28, with a sharper focus on emerging (Tier 2/3) markets.
Positive for shareholders — strong AUM and disbursement growth, margin expansion, rating upgrade, and clear multi-year growth roadmap. Steady asset quality and healthy capital position reduce risk concerns. The stock could see sentiment support, though spreads may face mild pressure as RBI rate cuts are passed on to borrowers.